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Metro-Trio Medical & Critical Illness Protection Plan

The first in the market to offer individuals with "three high" conditions an all-round solution encompassing medical, critical illness and life protection
Benefit term Up to age 85
Issue age Age 40 to 60
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Featured benefits

Life protection for your loved ones

If the insured passes away, we will pay the death benefit to the designated beneficiary

AIA “Health and Wellness 360”

An array of extra health and medical services, including Personal Medical Case Management Services with Rehabilitation Management1 and worldwide emergency assistance

Super Medical Reward

As an AIA Vitality member, you will be entitled to this reward to enhance your medical benefits as your health improves

All-round care

Medical, critical illness and life protection for individuals with diabetes, hypertension and / or hyperlipidaemia

Medical protection keeps you covered

Reimburse medical expenses including those due to conditions unrelated to diabetes, hypertension and hyperlipidaemia

Critical illness cover to give you peace of mind

Covers 9 illnesses including cancer and complications relating to chronic diseases

Join AIA Vitality and enjoy an instant 10% premium discount

Once you join AIA Vitality*, you can enjoy an instant 10% premium discount for the first year. As long as you keep up a healthy lifestyle, you can even enjoy up to 15% lifelong premium discount**, while at the same time earning AIA Vitality Points and enjoying an array of rewards and offers to help you live a healthier lifestyle.
 
Please click here for further details.
The content of this website does not contain the full terms of the product and the full terms can be found in the policy contract. You have the right to request a sample of policy contract before committing to the purchase. Please note the relevant product risks. This product can be purchased as a basic plan or as an add-on plan.
Notes
 
  • All information here is for reference only. The product information in this webpage does not contain the full terms of the product. For the details of the product features, terms and conditions, exclusions and key product risks, you may refer to the product brochure and policy contract of the relevant products. In case you want to read policy contract sample before making an application, you can obtain a copy from AIA. 

  • You have the option to take up a Metro-Trio Medical & Critical Illness Protection Plan as either a stand-alone insurance plan or as an add-on plan to specified basic plans. 
  1. This service is applicable to Standard Private plan only and provided by the designated service provider engaged by AIAHK and is not applicable to Macau Region. 
* An annual membership fee will be charged for AIA Vitality and a member has to renew the AIA Vitality membership annually on time in order to maintain the membership and enjoy premium discount (if any) in the subsequent policy years. The membership fee of AIA Vitality may vary at any time without prior notice. Likewise, programme benefits may be added or removed without prior notice.

** Premium discount is only applicable to the standard premiums of selected AIA Vitality insurance products (including basic and add-on plans) and shall not apply to any extra premiums due to loading. In all circumstances, the premium discount will be calculated in accordance with the insured's AIA Vitality Status achieved on each policy anniversary. The policy anniversary of AIA Vitality selected insurance products and AIA Vitality membership anniversary may not be the same. For details and offers of AIA Vitality selected insurance products, please visit aia.com.hk/aiavitality.

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